Wash. Rev. Code » Title 48 · Chapter 48.43
Revised Code of Washington

Wash. Rev. Code § 48.43.012 (2026)

Health plans—Preexisting conditions—Rules

✓ current as of May 2026
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(1) No carrier may reject an individual for an individual or group health benefit plan based upon preexisting conditions of the individual.
(2) No carrier may deny, exclude, or otherwise limit coverage for an individual's preexisting health conditions including, but not limited to, preexisting condition exclusions or waiting periods.
(3) No carrier may avoid the requirements of this section through the creation of a new rate classification or the modification of an existing rate classification. A new or changed rate classification will be deemed an attempt to avoid the provisions of this section if the new or changed classification would substantially discourage applications for coverage from individuals who are higher than average health risks. These provisions apply only to individuals who are Washington residents.
(4) Unless preempted by federal law, the commissioner shall adopt any rules necessary to implement this section, consistent with federal rules and guidance in effect on January 1, 2017, implementing the patient protection and affordable care act.
[ 2019 c 33 s 2; 2011 c 315 s 3; 2001 c 196 s 6; 2000 c 79 s 19.]

Notes:

Effective date—2019 c 33: See note following RCW 48.43.005.
Intent—2011 c 315: See note following RCW 48.43.005.
Effective date—2001 c 196: See note following RCW 48.20.025.
Effective date—Severability—2000 c 79: See notes following RCW 48.04.010.
Notes of Decisions
Cited in 1 case (1 in the last 5 years), 2026–2026 · leading case: Luci Solorio, V. Regence Blueshield (Wash. Ct. App. 2026).
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Luci Solorio, V. Regence Blueshield (Wash. Ct. App. 2026). “0128 to not discriminate in the insurance contract and to not impose preexisting condition limitations under RCW 48.43.012(2). Regence argues that the trial court’s reliance on Rekhter is misplaced.”
— Wash. Rev. Code § 48.43.012(2) — 1 case
Luci Solorio, V. Regence Blueshield (Wash. Ct. App. 2026). “0128 to not discriminate in the insurance contract and to not impose preexisting condition limitations under RCW 48.43.012(2). Regence argues that the trial court’s reliance on Rekhter is misplaced.”
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